subject: The Benefits Of Caravan Insurance [print this page] The Benefits Of Caravan Insurance
Owners of touring or static caravans need caravan insurance for their specific type of caravan to give them not only peace of mind but to protect them against third party liability claims made against them. There are different types of insurance you could consider so here we take a look at these and the benefits to each form of insurance.
Which policy is the most suitable for you?
The two main types of caravan insurance are third party fire and theft and fully comprehensive.
Third party fire and theft as the name tells you gives protection against your caravan being stolen or damaged or destroyed by fire. It also provides you with third party cover in the event that you damage a third parties property or injure someone. However, this form of insurance provides you the caravan owner with very little else.
Fully comprehensive is more complete form of insurance for your caravan that gives you the benefits of third party fire and theft along with much more. This form of insurance would provide you with a brand new caravan up to the agreed values if yours is stolen or destroyed while under a certain age. Your belongings and the interior of the caravan is also protected new for old which means any damaged or destroyed items are replaces as new. The policy typically covers you against fire, theft, vandalism, accidental damage, storm damage and a great deal more.
Touring caravan essentials
If you have a touring caravan you could also choose to add European insurance into the policy, if it is not already included. European insurance is needed if you plan to travel into Europe. Typically when European insurance is included in the insurance it is for so many days out of the year. So if you do a lot of travelling around Europe you may want to make sure that you are given adequate days.
Another thing you need to check for in touring caravan insurance is if the policy provides you with peace of mind of so much money towards a stay in alternative accommodation if you cannot stop in your caravan due to one of the events covered in the insurance policy. Usually the provider would offer up to so much money per day for up to so many days. This not only provides you with peace of mind but can save you some considerable cost.
Finally when considering with type of caravan insurance is the most suitable you might want to give some thought to the amount of excess the insurance provider asks you to pay towards any claim that you make. The excess is the portion that you need to put your hand in your pocket to find if a claim is made, the insurance provider then pays towards the rest of the claim. For example if your excess is 100 and you claim for damage to the caravan worth 2000, you only have the first 100 to find. While insurance providers state a minimum, you can offer to pay more and it might bring down the cost of the premiums a little.
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